Similarly, if your car is damaged by mischievous trick-or-treaters, there is coverage under the optional comprehensive portion of your auto insurance policy.

If you expect to be handing out candy or throwing a Halloween party, again you would be covered if a trick-or-treater or guest is accidentally injured in your house or apartment, the I.I.I. says. The liability portion of your homeowners or renters insurance policy covers you in the event you are sued by the injured party.

While itÃ¢â‚¬â„¢s reassuring to have these insurance policies in place, itÃ¢â‚¬â„¢s also important to follow some basic safety steps, such as:

– Ensure thereÃ¢â‚¬â„¢s a clear path to your front door by removing all objects that could cause children to trip or fall.

– Turn your outside lights on if you welcome trick-or-treaters.

– Take caution when using candles, jack-o-lanterns, matches and lighters and keep them out of reach of children and away from flammable materials.

– Have a plan for your pet especially if they are easily spooked by guests or doorbells.

– Motorists need to be extra cautious and watch for children, especially after dark.